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ATC

Adirondack Trust Company Portfolio holdings

AUM $336M
1-Year Est. Return 29.2%
This Fund
S&P 500
This Quarter Est. Return
+2.46%
1 Year Est. Return
+29.2%
3 Year Est. Return
+84.89%
5 Year Est. Return
+110.19%
10 Year Est. Return
+358.4%
AUM
$304M
AUM Growth
+$5.86M
Cap. Flow
+$674K
Cap. Flow %
0.22%
Top 10 Hldgs %
42.07%
Holding
562
New
54
Increased
64
Reduced
142
Closed
25

Top Buys

Rank Stock Value
1
VTHR icon
Vanguard Russell 3000 ETF
VTHR
+$1.14M
2
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$665K
3
IWF icon
iShares Russell 1000 Growth ETF
IWF
+$480K
4
IBDW icon
iShares iBonds Dec 2031 Term Corporate ETF
IBDW
+$439K
5
IBDV icon
iShares iBonds Dec 2030 Term Corporate ETF
IBDV
+$379K

Top Sells

Rank Stock Value
1
EFA icon
iShares MSCI EAFE ETF
EFA
+$572K
2
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$449K
3
TIP icon
iShares TIPS Bond ETF
TIP
+$239K
4
AAPL icon
Apple
AAPL
+$237K
5
SYK icon
Stryker
SYK
+$190K

Sector Composition

Rank Sector Weight
1 Technology 20.77%
2 Healthcare 7.12%
3 Financials 7.12%
4 Consumer Discretionary 6.58%
5 Industrials 5.57%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IBCA
76
iShares iBonds Dec 2035 Term Corporate ETF
IBCA
$373M
$794K 0.26%
30,605
+10,233
+50% +$266K
BBUS icon
77
JPMorgan BetaBuilders US Equity ETF
BBUS
$9.21B
$792K 0.26%
6,425
+1,810
+39% +$222K
VLO icon
78
Valero Energy
VLO
$85.9B
$779K 0.26%
4,784
-1
-0% -$169
MET icon
79
MetLife
MET
$62.1B
$769K 0.25%
9,739
-206
-2% -$16.3K
XLF icon
80
State Street Financial Select Sector SPDR ETF
XLF
$58.2B
$767K 0.25%
14,002
-815
-6% -$43.4K
INTC icon
81
Intel
INTC
$513B
$748K 0.25%
20,267
-397
-2% -$15K
AXP icon
82
American Express
AXP
$230B
$730K 0.24%
1,972
-65
-3% -$23.3K
ACN icon
83
Accenture
ACN
$108B
$719K 0.24%
2,679
-121
-4% -$30.7K
IJH icon
84
iShares Core S&P Mid-Cap ETF
IJH
$127B
$714K 0.24%
10,823
– –
BAC icon
85
Bank of America
BAC
$442B
$713K 0.23%
12,965
-35
-0.3% -$1.85K
PFE icon
86
Pfizer
PFE
$153B
$678K 0.22%
27,252
-1,726
-6% -$43.5K
FTEC icon
87
Fidelity MSCI Information Technology Index ETF
FTEC
$21.3B
$670K 0.22%
2,980
– –
LOW icon
88
Lowe's Companies
LOW
$125B
$651K 0.21%
2,699
– –
XLE icon
89
State Street Energy Select Sector SPDR ETF
XLE
$37.7B
$637K 0.21%
14,244
-136
-0.9% -$6.06K
DE icon
90
Deere & Co
DE
$168B
$623K 0.21%
1,339
– –
VB icon
91
Vanguard Morningstar Small-Cap ETF
VB
$82.4B
$623K 0.21%
2,416
+470
+24% +$120K
EMR icon
92
Emerson Electric
EMR
$88.3B
$623K 0.2%
4,694
– –
WMB icon
93
Williams Companies
WMB
$86.1B
$588K 0.19%
9,775
-74
-0.8% -$4.47K
DUK icon
94
Duke Energy
DUK
$97.3B
$585K 0.19%
4,990
+13
+0.3% +$1.59K
T icon
95
AT&T
T
$163B
$554K 0.18%
22,302
-928
-4% -$23.5K
XLV icon
96
State Street Health Care Select Sector SPDR ETF
XLV
$42.7B
$547K 0.18%
3,531
-59
-2% -$8.84K
MMM icon
97
3M
MMM
$94.3B
$475K 0.16%
2,966
-22
-0.7% -$3.6K
SPMO icon
98
Invesco S&P 500 Momentum ETF
SPMO
$21.9B
$474K 0.16%
3,969
+2,341
+144% +$281K
HON icon
99
Honeywell
HON
$78B
$469K 0.15%
2,402
-180
-7% -$35.2K
CVS icon
100
CVS Health
CVS
$122B
$444K 0.15%
5,596
-109
-2% -$8.59K
2 3
4
5 6

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SG
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SC
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SIC
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HGA
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MAM
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PHWM
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Adirondack Trust Company's Q4 2025 Portfolio in Review

As of Q4 2025, Adirondack Trust Company held 562 positions worth $304M, up 2% from $298M the previous quarter. Its ten largest holdings account for 42% of the portfolio.

Adirondack Trust Company's Q4 2025 filing shows 54 new, 64 increased, 142 reduced and 25 closed positions. Its largest new stake was Franklin New York Municipal Income ETF: 29,772 shares worth $233K. The largest sale was iShares MSCI EAFE ETF, an estimated $572K.

By sector, the portfolio is most concentrated in Technology at 21% of assets, down from 21% a quarter earlier, followed by Healthcare and Financials.

  • Adirondack Trust Company's largest Q4 2025 buy was Franklin New York Municipal Income ETF: 29,772 shares worth $233K.
  • Adirondack Trust Company added most to Vanguard Russell 3000 ETF in Q4 2025, an estimated $1.14M increase.
  • Adirondack Trust Company's biggest Q4 2025 reduction was iShares MSCI EAFE ETF, cutting an estimated $572K.
  • Adirondack Trust Company fully exited iShares iBonds Dec 2025 Term Corporate ETF in Q4 2025, selling an estimated $186K.
  • Adirondack Trust Company's ten largest holdings make up 42% of its $304M portfolio in Q4 2025.
  • Adirondack Trust Company opened 54 new positions and closed 25 in Q4 2025.
  • Adirondack Trust Company's portfolio value rose 2% quarter-over-quarter to $304M.

Based on Adirondack Trust Company's 13F filing for Q4 2025, filed 8 Jan 2026.